Capital Gains Tax Calculator 2026
Updated for the 2026 tax year · Last updated June 13, 2026
Estimated long-term capital gains tax (2026)
$3,000
Net after tax $17,000 · effective 15.0% on the gain
| Capital gains tax (0/15/20%) | $3,000 |
| Total tax on gain | $3,000 |
| Net proceeds | $17,000 |
Long-term gains use the 2026 0%/15%/20% brackets stacked on top of your ordinary income, plus 3.8% NIIT above $200,000 MAGI. Short-term gains are taxed as ordinary income. Federal only; state tax not included.
About this calculator
Long-term capital gains (assets held over a year) are taxed at preferential 0%, 15%, or 20% rates that stack on top of your ordinary income, plus a 3.8% net investment income tax at higher incomes. Short-term gains are taxed as ordinary income. This calculator handles both for 2026.
FAQ
What are the 2026 long-term capital gains rates?
0% up to $49,450 of taxable income (single), 15% up to $545,500, and 20% above — based on your total taxable income including the gain. Married-filing-jointly thresholds are $98,900 and $613,700.
What is the net investment income tax (NIIT)?
An extra 3.8% on investment income when modified AGI exceeds $200,000 (single) or $250,000 (married filing jointly).
How are short-term gains taxed?
Assets held one year or less are taxed at your ordinary income tax rate, not the preferential long-term rates.
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2026 federal figures from IRS Rev. Proc. 2025-32 and Notice 2025-67; SSA wage base. Estimates for guidance only, not tax advice.